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Summit Bank GroupSBKO +0.22%65 FCF Margin % is 47.66% as of Dec. 2025, which is 39% above its 10-year median of 34.31. GuruFocus rates SBKO with a GF Score™ of 65/100 and a GF Value™ of $16.49 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,502 Banks companies, Summit Bank Group ranks better than 73.9% on this metric.
The historical data trend for Summit Bank Group's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Summit Bank Group's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Summit Bank Group FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Summit Bank Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Summit Bank Group's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Summit Bank Group (SBKO) has a FCF Margin % of 47.66% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Summit Bank Group and its competitors. This is 39% above median its historical median of 34.31. Over the past decade, Summit Bank Group's FCF Margin % has ranged from 23.74 to 54.18. According to the industry distribution chart, Summit Bank Group ranks #392 out of 1502 companies in the Banks industry, placing it in the top 26.1%.
Is Summit Bank Group's FCF Margin % too high?
Summit Bank Group's current FCF Margin % of 47.66% is 39% above median its 10-year median of 34.31. Over the past 10 years, this metric has ranged from a low of 23.74 to a high of 54.18. The Banks industry median FCF Margin % is 26.12. Summit Bank Group's value of 47.66% is 82.5% above this industry median. Based on the distribution chart, Summit Bank Group ranks #392 out of 1502 companies in the Banks industry, which is above the industry midpoint. Overall, Summit Bank Group has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bank Group's FCF Margin % compare to MSWV and PLQC?
According to the Banks industry distribution chart, Summit Bank Group ranks #392 out of 1502 companies for FCF Margin %. This puts Summit Bank Group in the upper half of its industry. The industry median FCF Margin % is 26.12. Summit Bank Group's value of 47.66% is 82.5% above this benchmark. Historically, Summit Bank Group's own FCF Margin % has ranged from 23.74 to 54.18 over the past decade. While the company's 10-year median is 34.31 vs. the industry median of 26.12, Summit Bank Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.12, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Summit Bank Group's current FCF Margin % of 47.66% is 82.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Summit Bank Group and its competitors. For the Banks industry, the median FCF Margin % is 26.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bank Group's current FCF Margin % is 47.66%, which is 39% above median its own 10-year median of 34.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Summit Bank Group (SBKO) is currently considered Significantly Overvalued. The stock's GF Value™ is $16.49, compared to a current price of $23.54 — trading 42.8% above its estimated fair value. The current FCF Margin % is 47.66%, which is 39% above median its 10-year median of 34.31 and 82.5% above the Banks industry median of 26.12. Summit Bank Group's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Summit Bank Group (SBKO), the current FCF Margin % is 47.66% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Summit Bank Group (SBKO) Overvalued in 2026?
Based on GuruFocus' analysis, Summit Bank Group stock appears to be overvalued.
The current stock price of $23.54 is trading 42.8% above its estimated GF Value™ of $16.49.
GuruFocus considers Summit Bank Group to be Significantly Overvalued.
Key valuation signals for SBKO:
FCF Margin %: 47.66% (39% above median its 10-year median of 34.31)
GF Value™: $16.49 vs. price of $23.54 (42.8% above fair value)
Industry Position: 82.5% above the Banks median (#392 of 1502)
No single metric tells the full story. See the SBKO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summit Bank Group Inc provides commercial banking, financing, real estate lending and other services in Lane, Deschutes and Multnomah Counties in Oregon. It also specializes in providing high-level service to professionals and medium-sized businesses and their owners.
65GF Score
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